I'm not looking for your hot get-rich-quick plan (Unless you have a good one? Kidding!) but a lot of you seem to know what you're talking about, moneywise, so I'd love to hear your tips for spending and saving—and I'd love to know where you found them.

"You can splurge. Just decide what you want to splurge on, and what you're willing to give up for that pair of shoes or plane ticket. Just like you wouldn't go on a starvation' diet, don't try to cut out all the things you enjoy buying—cut back sensibly. Otherwise you'll just end up binging' after a few weeks."

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So let's hear it, ladies (and the two or three dudes on here): What's the best financial advice you can give me? And who'd you get it from?__

p.s. There is such thing as free lunch—if you live in select areas. Click here to see the ad for a free Bread Bowl Pasta from Domino's, and click here to see if you live by a participating location. (I do!)